Financial services; banking services; payment services; provision of payment, authorizations, billing and fund transfer facilities including those utilising communications networks, such services being accessed by telecommunications equipment; issue and redemption of tokens, vouchers and points; provision of electronic payment services including electronic fund transfer services and on-line transaction services; home banking; Internet banking; charge card, credit card, debit card, discount card, gift card, loyalty card, reward card, insurance, saving and finance services; information and advisory services relating to the aforementioned services including the provision of information from a computer database, the internet or other network

Telecommunication services; communication of data by radio, telecommunications networks, and by satellite; transfer of data by telecommunications; messaging services, namely, sending, receiving and forwarding messages in the form of data, text, audio, graphic images or video or a combination of these formats; computer communication services; provision of information and advice relating to the aforementioned services